It is a bank card issued by the Housing Provident Fund Management Center in cooperation with commercial banks for the purpose of serving the employees who pay housing provident fund. It has multiple functions of housing provident fund deposit voucher, account inquiry and bank debit card, and is an effective voucher for employees to pay housing provident fund.

The co-branded card mainly includes the following functions:

1. It is an effective voucher for the depositor to deposit the housing provident fund, and has all the financial functions of the ordinary bank card savings card;

2. Inquire about housing provident fund account information;

3. Withdraw the housing provident fund and transfer it to a joint card savings account, and other housing provident fund service functions. ?

The joint card of housing provident fund will be issued to all employees who set up housing provident fund accounts. In order to ensure the correctness of distribution, taking Beijing as an example, all employees can handle it except the following employees:

1. Employees with multiple accounts need to merge their accounts;

2. If the employee's ID number is duplicate, it needs to be corrected.

3. If the employee's account is in the period of centralized sealing, after it needs to be transferred to the new unit, the new unit will handle the

extended information

materials to be provided for the loan of commercial housing housing provident fund

1. The original and photocopy of the resident ID card, household registration book and * * * repayment commitment letter of the borrower and the borrower (* * * the same borrower and guarantor);

2. Proof of marital status (if married, provide a copy of marriage certificate; otherwise, the unit or police station will issue a certificate);

3. Legal commercial housing purchase contract or agreement;

4. Personal credit certificate provided by the borrower and the borrower's unit;

5. valid evidence that the borrower has paid not less than 3% of the purchase price;

6. Collateral used for guarantee, pledge list, ownership certificate, certificate that the person with the right to dispose of it agrees to mortgage and pledge, and collateral valuation certificate issued by relevant departments;

7. The auction house property for housing provident fund loan must be the property with mortgage agreement signed by the developer and the entrusted bank, and the borrower can go through the loan formalities through the mortgage bank.

the bank accepts and examines the loan application with complete information in time and submits it to the provident fund center in time. The provident fund center is responsible for approving loans and informing banks of the approval results in a timely manner.

the bank informs the applicant to go through the loan procedures according to the results of the examination and approval by the provident fund center. The borrower and his wife sign a loan contract and related contracts or agreements with the bank, and send the loan contract and other procedures to the provident fund center for review. After the approval by the provident fund center, the entrusted fund will be allocated, and the entrusted bank will issue the loan in full and on time according to the loan contract.

if the house is secured by mortgage, the borrower shall go through the mortgage registration formalities at the house property management department in the area where the house is located. If the mortgage contract or agreement is signed by both husband and wife and pledged by securities, the borrower shall hand over the securities to the management department or the Union Center for custody.

Baidu Encyclopedia-provident fund co-branded card

Baidu Encyclopedia-provident fund